Money$mart

With FMFCU’s Money$mart, it’s easier than ever for members to manage their money and budget. View and manage ALL financial accounts in one place, including accounts at other financial institutions. With one simple click, view banking, investment, retirement, mortgage, and credit card information…all on one screen!

Money$mart’s budgeting and cash flow management tools provide a better understanding of where your money is allocated every month. Set spending targets, goals, and more.

Features and Benefits

• View all financial accounts in one place
• Create custom budgets and start saving
• Set up account alerts with email or text message
• Set financial goals
• See net worth in a single click
• Manage money and make smarter investments
• Track spending by category to see where your money goes

FMFCU is raising the bar with member financial education and Money$mart helps members reach their financial goals. Best of all, it’s automatically included FREE within FMFCU’s Online Banking!

Money$mart Quick Start Guide

• Login to FMFCU’s Online Banking
• Click on any Personal Financial Management Tool
• Accept the Agreement
• Start enjoying Money$mart

For additional information on using our Money$mart tool, view the Complete User Guide.

• How can accounts be added from other financial institutions?
  • Log into Online Banking.
  • Click the “Link Account” button
  • Enter your financial institution into the search box or click a tile, and click “Search.”
  • Select your financial institution from the list of results.
  • Enter information as you would when logging into that specific account and click “Connect.”
  • Answer security question(s) (if asked), and click “Connect.”
  • Classify account(s). Choose the closest choice if the exact account type is not listed. Click “Save.”
  • Wait for accounts to upload. If you have more than one account at this particular financial institution, it will take longer to upload.
• How are transactions tagged and edited?

  We automatically “tag” transactions, but to get a more accurate financial picture, transactions should be customized specifically to you. To change a tag, take the following steps:

  • Click on any transaction to begin editing it.
  • Review the “Title” of transaction. If you wish to change it, simply edit the text.
  • Click the “x” next to the existing tag to change it. Start typing replacement tag and auto completion suggestions will be displayed. Finish typing tag or choose a suggested tag.
  • Optional: Click “Use Split Tags” to allocate portions of transaction in separate tags.
  • Click “Save Transaction.”
• How is a Cashflow created?

  To get the most complete financial picture, please follow these steps:

  • Click the navigation item “Cashflow” to set up fixed income and bill items.
  • Select which account you’d like to show in Cashflow by clicking “Choose Accounts” above the calendar. Make your selections and click “Save and Close.”
  • Use the green “Add Income” and red “Add Bill” buttons above the Cashflow Calendar to input all fixed transactions.
  • To edit an entry, click on the date of the entry and then “Edit” to the left of the entry to edit.
  • To see how daily balances are calculated, switch to the Agenda view in the upper right-hand corner.
  • To see future months, use the grey buttons to the left and right of the name of the current month.
• How is a Budget created?

  To help track your expenses:

  • Click the navigation item “Budget.” If you have not created any spending targets, you’ll be prompted to create the first one automatically.
  • Start creating spending targets for variable expenses by choosing a tag to track. To rack multiple tags within a single spending target, just start typing the name of the next tag after you’ve chosen the first.

   

  For additional information on using our Money$mart tool, view the Complete User Guide.